Halloween teaches us valuable financial lessons like budgeting candy, but it’s not all gum drops and lollipops. A retailmenot.ca survey found that Canadians spent $1 billion on Halloween in 2015. In fact, the Halloween industry is so large that it can support retailers who are only open for the season.

 

According to Global News, the average Canadian spends $52 per person on costumes.T he cost of costumes rarely reflects the quality. So why shell out so much money? Save yourself from the frightening cost of a costume by dressing up as an iconic movie or TV character in plain clothes. Don’t let the cost of Halloween costumes scare you away this year.

 

4 Cheap Halloween Costume Ideas from Your Closet

 

For men:

 

Marty McFly from Back to the Future

You will need white sneakers, a jean jacket, blue jeans, a white buttoned shirt, an orange vest and a red t-shirt.

Quote: “Wait a minute, Doc. A… Are you’re telling me you built a time machine… Out of a DeLorean?”

 

Ace Ventura from Ace Ventura: Pet Detective

You will need to style your hair up and back in the iconic Ace Ventura style, a pair of black converse or boots, red striped pants or something similar, a floral pattern shirt, a white tank top and an ID card reading “Ace Venture Pet Detective”.

Quote: “That was close one ladies and gentlemen, of course in every contest, there must be, a loser. Lew-Who, Za-Her.”

 

For women:

 

Wednesday Addams from The Addams Family

You will need dark black mascara, a white collared blouse, a black long sleeve shirt, white stockings, a pair of black shoes and your hair in pigtail braids.

Quote: “I’ll stop wearing black when they make a darker colour”

 

Sandy Olsson from Grease

You will need red lipstick, a tight pair of black pants (preferably leather), a black shirt that shows off your shoulders and red high heels.

 Hang a leather jacket over your shoulder and do your hair to match Sandy’s to really sell this costume.

Quote: “Tell me about it, stud.”

 

Bonus: You can have a lot of fun dressing up as yourself in high school. Find an embarrassing photo of yourself and replicate the look.

A DIY costume will show off your creativity and make you the life of the party. Consider a costume from your closet before spending money at a retailer. The key to a great Halloween costume is making it fun, so memorize some movie quotes, dress up as your favorite character this year and save your money.

 

Travelling Soon?

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No one expects to have a medical emergency while travelling.  But it can happen.  Travel Insurance for Canadians travelling out-of-province protects against costs associated with unexpected medical emergencies that may occur during your trip – costs that might only be marginally covered by your provincial health insurance plan

 

The growing need for travel insurance

 

  • The average out-of-pocket cost per hospital stay in the United States in 2011 was $15,734.  Uninsured visitors to Canada can spend over $2,000 per day on a hospital stay.  Travel insurance can protect against these costs
  • When travelling abroad, some countries require proof of travel insurance, so it may be mandatory when visiting countries like Cuba, Ukraine, Czech Republic and Poland.  Plus, if you wait to purchase insurance at your destination, it may not cover many essential benefits so it’s wise to purchase travel insurance before travelling to any country
  • Many cruise ships also require travel insurance

The benefits available include:

 

  • Emergency Medical Insurance – Covers up to $5,000,000 for expenses as a result of emergency medical attention required during your trip
  • Trip Cancellation & Interruption Insurance – Available as a single plan or as a Single-Trip All Inclusive or Multi-Trip All-Inclusive Plan, if you are unable to travel or your trip is interrupted due to a covered event.
  • Baggage Loss, Damage & Delay – Available with the Single-Trip or Multi-Trip All-Inclusive Plans.  Covers you for loss or damage to your baggage or baggage delay.
  • Flight Accident – Covers you for $100,000 for death or double dismemberment
  • Travel Accident – Covers you for $50,000 for death or double dismemberment, or $25,000 for single dismemberment

Out-of-Province

 

Whether you’re travelling to the USA for a business trip or travelling overseas, we have several plans to choose from

 

Visitors to Canada

 

If you have family or friends planning to visit, make sure they’re protected while they’re here with a Single-Trip Plan.  If you have parents or grandparents planning to visit on a Super Visa, it’s mandatory that they’re covered with a minimum of $100,000 in Canadian medical travel insurance

 

At Ecclestone Financial Group we can make sure you have coverage in place before departing on your next vacation.  Give us a call at (519) 843-5110 or email at info@efginc.ca.  We will make it quick and easy, so you can get back to planning your trip!